How much will my insurance pay on an item i dont have a receipt for

If you file an insurance claim for an item that you don't have a receipt for, the insurance company may require proof of ownership through other means. This could include photos or videos of the item, credit card or bank statements showing the purchase, or even witness statements from family or friends who can confirm ownership. The insurance company may also use their own database of market values for similar items to determine the approximate value of the item. In some cases, they may offer a lower payout for items without a receipt or proof of ownership, as it can be more difficult to verify the value. It's important to note that insurance policies have limits and deductibles, so even if the insurance company determines a value for your item, you may still be responsible for a portion of the cost. Additionally, some insurance policies may exclude coverage for certain types of items, such as jewelry or collectibles, so it's important to review your policy carefully to understand what is covered and what is not.